Account Details

The account details object contains the financial account's account number and routing information.

Properties

Get Account Details

curl https://api.teller.io/accounts/acc_oiin624iajrg2mp2ea000/details \
  -u test_token_ky6igyqi3qxa4:

{
  "links" : {
      "account" : "https://api.teller.io/accounts/acc_oiin624iajrg2mp2ea000",
      "self" : "https://api.teller.io/accounts/acc_oiin624iajrg2mp2ea000/details"
  },
  "routing_numbers" : {
      "ach" : "066474405"
  },
  "account_id" : "acc_oiin624iajrg2mp2ea000",
  "account_number" : "142999287346"
}

Account Details verification via Microdeposit

Account details are available instantly after an enrollment for the majority of institutions supported by Teller. These institutions have the verify.instant product in the response from the Institutions API endpoint. However, this is not possible for a number of institutions (those that have verify.microdeposit products in the API response from the Institutions API endpoint). To access account details from these institutions, you can implement the 'Verify Account Details via Microdeposit` flow. Your customers will enter account and routing numbers for the accounts that they would like to enroll in Teller Connect, and Teller will send a microdeposit to the accounts to verify that they are correct.

Enabling / disabling the flow

To enable the flow, initialize Teller Connect with verify specified among the products using the products property. To disable the flow and only enable institutions that provide account details instantly, specify the verify.instant product instead.

If you don't need account details but would like to enroll users with the institutions that require this flow to use other Teller products, don't specify verify product when initializing Teller Connect. Your users won't be prompted to enter account numbers when they enroll.

Accessing Account Details

When using this flow, account details become available after a successful verification: once we've confirmed that the microdeposit sent by us is present among the account's transactions, we'll make the account details available via the API. This usually happens within 3 business days. You can also subscribe to an account.number_verification.processed webhook to be notified about completed verifications.

While the verification is pending, the /accounts/:account_id/details API endpoint will return a 404 Not Found error with the following body:

{
  "error": {
    "code": "account_number_verification_pending",
    "message": "Account details are not yet available because the verification via microdeposit is pending"
  }
}

If we are not able to verify the details entered by the user within 7 calendar days, the verification expires, and the /accounts/:account_id/details API endpoint will start returning a 404 Not Found error with the following body:

{
  "error": {
    "code": "account_number_verification_expired",
    "message": "Account details are not available because the verification via microdeposit has expired"
  }
}

We'll also send a account.number_verification.processed webhook when the verification expires.

Testing the flow in Sandbox

To test this flow in Sandbox, initialize Teller Connect with verify product and use verify.microdeposit as the username in Teller Connect. You'll get access to two accounts called Success and Failure, and you'll be asked to enter the account number and routing number for both. Enter any number that ends with the account number suffix shown in Teller Connect and any valid routing number (e.g. 110000000).

After enrolling you can fetch account details to see what the response looks like when the verification is pending. Verification is triggered by fetching transactions: if you make an API call to fetch transactions for the account called Success, a microdeposit transaction will be present in the response and the account details verification will succeeed. You'll then be able to fetch account details from the API.

If you make an API call to fetch transactions for the account called Failure, there won't be a microdeposit transaciton present and the verification will expire. If you make an API call to fetch account details, you'll get an error saying that the verification has expired.

Considerations

Consider using selectAccount configuration paramter in Teller Connect to limit the number of accounts your users enroll or let the user select which accounts they want to enroll to avoid making users enter details for the accounts that you don't need access to.

When a verification expires, the enrollment remains healthy and you might be billed for it, so consider disconnecting such enrollments if you don't need access to the enrollment.